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314 Morgan St, Elgin, IL 60123 Property Records

Kane County property record for 314 Morgan St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 1,398 sqft · built 1917
Lot Size0.202 acres (8,791 sqft)
OwnerIndividual Name on Record
Last Sale$148,000 (Dec 2008)
Tax Bill$5,900 (2025)
Deeds & MortgagesJun 2021 Mortgage
Feb 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN06-23-279-038

Property Details

APN / Parcel Number

Primary APN06-23-279-038

Interior

Bedrooms2 Beds
Full Baths3 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,398 sqft Living Area
Gross Area2,446 sqft
1st Floor Area1,398 sqft
Basement Area1,048 sqft

Exterior

Year BuiltBuilt 1917
Effective Year BuiltEffective 1917
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Foundation TypeRaised
Lot Area8,791 sqft (0.202 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address314 MORGAN ST
CityELGIN
StateIL
Zip60123-7642
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJ P MORGANS ADDN WEST 6 IN LOT 15 & ALL LOT 16
Legal SubdivisionJ P MORGANS ADDN
Legal Block4
Legal Lot Number15,16
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group4
Census Block4000
Census Tract851600

Owner

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address314 MORGAN ST, ELGIN, IL 60123-7642
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 23, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Feb 1, 2019Intrafamily Transfer, Transfer · Conventional Mortgage
INLANTA MORTGAGE INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 19, 2008 · Amount on Record
Deed SaleDec 19, 2008 · Amount on Record
Prior SaleAug 20, 1996 · Amount on Record
Deed Document Number200892246
Last Transfer DateNov 3, 2018
Transfer Doc0000004211
Record UpdatedOct 29, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address314 MORGAN ST, ELGIN, IL 60123-7642
Transaction TypeMortgage
Record UpdatedJul 9, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000048111
DateJun 23, 2021
Instrument2021K048111
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJul 1, 2036
Interest
Rate TypeFixed Rate
Rate2.75%

February 2019: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKANE IL
Recording DateFeb 1, 2019
Property Address314 MORGAN ST, ELGIN, IL 60123-7642
Document Number0000004211
Instrument DateNov 3, 2018
Instrument2019K004211
Transaction TypeTransfer
Record UpdatedJul 27, 2021

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address314 MORGAN ST, ELGIN, IL 60123-7642

Mortgage

Document Number0000004212
DateFeb 1, 2019
Instrument2019K004212
Lender
NameINLANTA MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueFeb 1, 2034
Interest
Rate4.75%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,900.00 (+16.42%) Homeowner's exemption$85,339 (+8.57%) Land $18,999 Building $66,340$256,119 (+8.57%) Land $57,020 Building $199,100
2024$78,602 (+21.39%) Land $17,499 Building $61,103$235,900 (+21.44%) Land $52,518 Building $183,382
2022$5,068.00 (+4.71%) Homeowner's exemption$64,750 (+6.96%) Land $14,415 Building $50,335$194,250 (+6.96%) Land $43,245 Building $151,005
2021$4,840.00 Homeowner's exemption$60,537 Land $13,477 Building $47,060$181,611 Land $40,431 Building $141,180

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 385 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Astound Broadband
Cable		1,500 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

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